Negative gearing seems to be getting a lot of attention recently and especially in the lead-up to the Federal Election.
Is it increasing the gap between the “rich” and the “poor” or
Does it actually help average Australians save for their future?
Is it good or is it bad for housing and rental affordability?
In this post, I'm going to work through the arguments for and against negative gearing ...

How To Borrow More Money Using Other Income Sources
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Whether you’re planning to buy your first home or investment property, or just want to upgrade to a larger dwelling, when you need to maximise your borrowing capacity it's important to consider all your income sources.
Banks and other lenders assess your supplementary income streams quite differently to your base salary. And each bank ...

The Danger of 'Set and Forget' Approach to Your Loan(s)!
Many property owners and especially homeowners take a ‘set-and-forget’ approach to their mortgage. This approach can potentially cost you thousands, if not tens of thousands of dollars!
Because interest rate goes up and down; banks change their loan products and conditions from time to time; and your circumstances change over time as well. The ...

Should I buy an off-the-plan city apartment? Low interest rates! Over-supply of apartments! Apartment prices dropping! People losing their deposits! Valuations slightly under expectation. What do all these mean? Here we’ll let you in on the advice we are currently telling our clients - Stay away from off the plan city apartments.
Bad News For City Apartments Investors
If you’ve recently bought one of ...

Industry Achievements And Certifications

“Loans for Both Private and Business”

“I have dealt with Neil Carstairs from Mortgage Corp on many occasions with regard to housing loans for both private and business and have found him to be so helpful in getting me over the line on a few occasions. I recognise how time consuming this must be for him; but at no time has he made me feel that it was an inconvenience to him. His good humour is always at the forefront and we have established an excellent rapport through our dealings. As a result of the great service I have received, I have recommended him to many of my family members and they too have nothing but praise for the manner in which their business was dealt. I only have praise for him and will definitely use his services again and I will continue to recommend him to others.”

Pat & Mark

“First Home + First Investment Property”

“Neil is not only our ‘mortgage broker’ but he is a trusted friend, mentor and educator! With Neil’s help we purchased our first home and now a few years later we have purchased our first investment property. Neil has spent hours upon hours with us, over the phone and in person, taking the time to really educate us on how to manage our finances and investments. We feel so lucky to have been introduced to Neil and we know that we will continue working with him for many years to come. ”

Dayna & Trent

“We were so happy to find Neil”

“We started looking to purchase our family home and had no success with the banks as Shaun is self employed. We were so happy to find Neil as he made the whole lending process so simple. His honesty from the start helped us understand everything, every step of the way. His easy going and friendly nature made us feel very comfortable and we owe it all to him because now we have our family home thanks to Neil’s efforts.”

Shaun & Natalie

“I would highly recommend to any prospective buyer”

“Neil Carstairs from Mortgage Corp helped my husband and I get our family home. I am impressed with how hard he worked in finding us the best rate and the follow through when contacting us after he had completed his job, just making sure things were working smoothly. I could not be happier with Neil and would highly recommend his services to any prospective home buyer.”

Kristy & Jason

“At 25, we’re looking at our 3rd investment property”

We couldn’t have done it without Neil’s expertise and in depth knowledge of banks and loans, a topic we knew very little about before meeting with Neil. He has helped us set up a successful portfolio of properties and with his help; we have no plans on slowing down.

Paul & Kim

“One Property Per Year Is Not A Dream Any More”

“Neil Carstairs from Mortgage Corp to be our personal finance adviser. Neil’s professional attitude, high ethics and in-depth knowledge about finance meet all of our expectations for our finance. With his help and advice, we were able to settle two valuable properties within 2 years and now looking for the third one. With Neil, buying one property per year is not a dream any more.”

Karl & Lucy

How To Find Out More

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